Our Consumer Goods (Digital Content)
Terms and Conditions

1. These terms

What these terms cover. These are the terms and conditions on which we supply digital content to you.

Why you should read them.

Please read these terms carefully before making any purchase on our site. These terms tell you who we are, how we will provide products to you, refunds, and returns, and other important information.
By purchasing any digital content, you confirm that you accept these terms and agree to comply with them. We may amend these terms from time to time. Every time you wish to purchase any digital content on our site, please check these terms to ensure you understand the terms that apply at that time.

2. Information about us and how to contact us

Who we are. We are Ross Johnston Ltd, a company registered in England and Wales. Our company registration number is 16124546 and our registered office is at 124 City Road, London, England, EC1V 2NX.

How to contact us. You can contact us at info@ross-johnston.com

3. Our contract with you

How we will accept your order
Our acceptance of your order will take place when we email you to confirm your purchase or otherwise acknowledge payment, at which point a contract will come into existence between you and us.

Payment terms
You may pay for the digital content, course or cohort coaching program in full at the time of purchase, or (if offered) through a split payment or instalment plan. By choosing an instalment plan, you:
- Agree to complete all payments in full as outlined at the time of purchase;
- Acknowledge that your payment plan forms part of a single purchase contract and that the total balance remains due, even if you choose not to access or complete the course; and
- Authorise us (or our payment processor) to automatically charge each instalment on the scheduled dates.

If we are unable to accept your order, we will inform you of this and will not charge you for the digital content.

4. Our rights to make changes

Minor changes to the products.
We may change the product:

to reflect changes in relevant laws and regulatory requirements; and
to implement minor technical adjustments and improvements. These changes will not affect your use of the product.

5. Digital Content

If the product is a one-off purchase of digital content, the content will be immediately available for your use as soon as your payment (or first instalment payment, where applicable) is received and accepted.

If the product is purchased using a payment plan or as part of a cohort, access to digital content, live calls, and community features will be granted upon receipt of the first payment. Continued access may be conditional upon completion of all scheduled payments.

Digital content is considered “delivered” once access has been provided, regardless of the extent to which you choose to access or use the material.

6. Refunds

Digital Content
Digital content for download, streaming, or access through a course or cohort is made available immediately upon payment. Once you pay (in full or in part), you will have 24 hours to request a refund - you will not be able to change your mind or receive a refund after this, except where required by the law. You were made aware of this prior to ordering and agreed to these terms when placing your order.

Deposits
All deposit payments are strictly non-refundable, regardless of circumstance. By paying a deposit, you confirm your commitment to the purchase and accept that no refund will be issued under any conditions, including change of mind, non-attendance, or failure to access or engage with the digital content.

Split Payments / Payment Plans
Where a payment plan or split payments are offered, all instalments are non-refundable once initiated. By making the first payment, you agree and commit to completing all remaining instalments. The total balance becomes immediately due and payable, regardless of whether you continue to access the course, attend live sessions, or participate in the community. Failure to complete payments will result in restricted access to content and collection action for the outstanding balance.

Course and Cohort Access
This product may be purchased either:
- As a self-paced course (with access to course content and community only); or
- As part of a cohort programme, which includes access to live coaching calls and other exclusive features. In both cases, all payments are final and non-refundable, irrespective of whether you attend live calls, consume course materials, or engage with the community. Access to course materials and/or live sessions constitutes delivery of the product.

Exceptional Circumstances
Refunds may only be considered in the rare event that:
- The product was not as described at the time of purchase; or
- A technical issue prevents access to the course content, and we are unable to resolve it within a reasonable timeframe.
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In all other cases, payments remain non-refundable.

7. Price and payment

Where to find the price for the product.
The price of the product will be the price indicated on the order pages when you placed your order.

8. How we may use your personal information

How we may use your personal information.
We will only use your personal information as set out in our Privacy Policy.

9. Other important terms

Disclaimer

Ross Johnston Ltd makes no warranties or representations, express or implied, as to the currency, accuracy, completeness, reliability, or suitability of the information contained or referenced on our website or platforms. The information is subject to professional differences of opinion, human error in preparing this information. Ross Johnston Ltd is not liable for any loss resulting from any action taken or reliance made by you on any of the information or material we provide. If you use, or otherwise rely on, any of the information in the website or platforms you are responsible for ensuring, by independent verification, its currency, accuracy, completeness, reliability and relevance to your own personal and individual circumstances

We may transfer this agreement to someone else.
We may transfer our rights and obligations under these terms to another organisation.

You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee).
You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.

Nobody else has any rights under this contract (except someone you pass your guarantee on to).
This contract is between you and us. No other person shall have any rights to enforce any of its terms.

Even if we delay in enforcing this contract, we can still enforce it later.
If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you, but we continue to provide the products, we can still require you to make the payment at a later date.

Which laws apply to this contract and where you may bring legal proceedings.
These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts.